Call reports 2026
CITIZENS STATE BANK — 2026
What CITIZENS STATE BANK reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 653,531,000 | 652,991,000 |
| Total loans | 501,384,000 | 506,957,000 |
| Allowance for loan losses | 7,300,000 | 7,297,000 |
| Securities available for sale | 69,457,000 | 70,050,000 |
| Securities held to maturity | 42,802,000 | 42,498,000 |
| Trading assets | 0 | 0 |
| Total deposits | 597,695,000 | 592,186,000 |
| Interest-bearing deposits | 543,797,000 | 540,187,000 |
| Noninterest-bearing deposits | 53,898,000 | 51,999,000 |
| Equity capital | 54,044,000 | 57,753,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 8,746,000 | 17,865,000 |
| Interest expense | 3,534,000 | 7,144,000 |
| Net interest income | 5,212,000 | 10,721,000 |
| Noninterest income | 462,000 | 874,000 |
| Noninterest expense | 3,717,000 | 7,667,000 |
| Provision for loan losses | 0 | 0 |
| Pretax income | 1,932,000 | 3,948,000 |
| Income tax | 0 | 0 |
| Net income | 1,932,000 | 3,948,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 65,977,000 | 67,567,000 |
| Total capital | 72,916,000 | 74,596,000 |
| Risk-weighted assets | 554,775,000 | 562,055,000 |